,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #fcab  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,m>* #ai1 #bjbj,ms4   
,velzquez introduc$ ! foll[+ bill2 :i* 0
 ref]r$ to ! ,committee on ,small       
,bus9ess  ,a ,,bill  ,to provide relief 
f ,,covid-#ai = small bus9ess conc]ns1 &
 = o!r purposes4  #a4 ,%ort title2 table
 ( cont5ts  7a7 ,%ort title ,?is ,act   
may be cit$ z ! ,,covid-#ai ,relief =   
,small ,bus9esses ,act ( #bjbj4  7b7    
,table ( cont5ts ,! table ( cont5ts =   
?is ,act is z foll[s3 ,sec4 #a4 ,%ort   
title2 table ( cont5ts4,sec4 #b4        
,bus9ess /abilization direct loan       
program4,sec4 #c4 ,bus9ess /abilization 
gu>ante$ loan program4,sec4 #d4         
,economic injury grants = small bus9ess 
conc]ns4,sec4 #e4 ,economic injury      
disa/] loans4,sec4 #f4 ,subsidy = c]ta9 
loan paym5ts4,sec4 #g4 ,tempor>y fee    
r$uctions4,sec4 #h4 ,gu>antee           
am\nts4,sec4 #i4 ,maximum loan am\nt &  
program levels = #g7;a7 loans4,sec4 #aj4
 ,maximum loan am\nt = #ejd loans4,sec4 

#aa4 ,recov]y assi/ance =               
microbus9esses4,sec4 #ab4 ,additional   
lev]age = small bus9esses affect$ by !  
,,covid-#ai outbreak4,sec4 #ac4 ,new    
,m>kets ,v5ture ,capital ,program4,sec4 
#ad4 ,grants to small bus9ess developm5t
 c5t]s1 wom5's bus9ess c5t]s1 & *apt]s (
 ! ,s]vice ,corps ( ,retir$             
,executives4,sec4 #ae4 ,grant programs =
 small bus9ess developm5t c5t]s1 wom5's 
bus9ess c5t]s1 & *apt]s ( ! ,s]vice     
,corps ( ,retir$ ,executives4,sec4 #af4 
,waiv] ( mat*+ funds requirem5t "u !    
wom5's bus9ess c5t] program4,sec4 #ag4  
,/ate ,trade ,expansion ,program4,sec4  
#ah4 ,contract+ & entrepr5eurial        
developm5t assi/ance4,sec4 #ai4         
,res\rces & s]vices 9 languages o!r ?an 
,engli%4,sec4 #bj4 ,au?orization (      
appropriations = p]sonnel4  #b4 ,bus9ess
 /abilization direct loan program  7a7  
,9 g5]al ,! ,adm9i/rator ( ! ,small     
,bus9ess ,adm9i/ration %all c>ry out a  
program to make loans directly to       
eligible borr[]s4  7b7 ,eligible borr[] 

def9$ ,9 ?is section1 ! t]m eligible    
borr[] means a p]son :o-- 7#a7 is a     
small bus9ess conc]n z def9$ "u section 
#c ( ! ,small ,bus9ess ,act 7#ae        
,u4,s4,c4 #fcb72 &  7#b7 is locat$ 9 a  
,/ate or t]ritory ( ! ,unit$ ,/ates ) a 
confirm$ or presum$ positive case (     
,,covid-#ai4  7c7 ,use ( funds ,9       
addition to ! use ( proce$s curr5tly    
p]mitt$ "u section #g7;a7 ( ! ,small    
,bus9ess ,act 7#ae ,u4,s4,c4 #fcf7;a771 
loans made "u ?is section may be us$ = !
 foll[+ purposes3 7#a7 ,to make p]iodic 
paym5ts ( pr9cipal & int]e/1 = a p]iod n
 to exce$ #ab mon?s1 on a loan or a loan
 gu>antee made to an eligible borr[] t  
meets ! eligibility /&>ds ( su* section 
#g7;a74  7#b7 ,to provide b5efits to    
employees ( ! eligible borr[]1 includ+  
gr\p life insurance1 disability         
insurance1 sick leave1 annual leave1    
educational b5efits1 paid family leave1 
or retirem5t b5efits 7includ+ a p5sion  
plan or ,,ira74  7#c7 ,to pay wages to  
employees ( ! eligible borr[]1 & relat$ 

,/ate & ,f$]al payroll taxes1 except t  
loan proce$s may n be us$ to pay am\nts 
"u a g>ni%m5t ord] issu$ by an ag5cy ( a
 ,/ate or ,f$]al ,gov]nm5t4  7#d7 ,to   
provide te*nology1 h>dw>e1 or s(tw>e = a
 %ift to telework or remote "w =        
employees ( ! eligible borr[] to enable 
cont9uity ( op]ations4  7#e7 ,to pay r5t
 or utilities due or ow$ on any place ( 
bus9ess ( ! eligible borr[]4  7#f7 ,to  
ref9ance an exi/+ debt 7includ+ int]e/7 
9 an am\nt n to exce$ #ej p]c5t ( !     
am\nt ( ! debt4  7#g7 ,to provide floor 
plan f9anc+ or o!r revolv+ l9e ( cr$it4 
7#h7 ,to pay pa/-due ,f$]al1 ,/ate1 or  
local payroll taxes1 sales taxes1 or o!r
 simil> taxes t are requir$ to be       
collect$ by ! eligible borr[] & held 9  
tru/ on behalf ( a ,f$]al1 ,/ate1 or    
local gov]nm5t entity4  7#i7 ,to provide
 employees & patrons ( ! eligible borr[]
 ) ! necess>y items specifi$ by any     
public heal? au?ority to mitigate !     
spread ( ,,covid-#ai4  7d7 ,loan t]ms   
7#a7 ,am\nt ,loans made "u ?is section  

may n exce$ #b1ejj1jjj4  7#b7           
,disbursem5t ,n less ?an #aj p]c5t1 b n 
m ?an #bj p]c5t1 ( ! proce$s ( a loan   
made "u ?is section %all be disburs$ n  
lat] ?an #e cal5d> days aft] a loan is  
approv$ "u ?is section4  7#c7 ,t]m      
,loans made "u ?is section %all be = a  
t]m ( #aj ye>s1 & a borr[] %all n be    
requir$ to repay su* loan dur+ !        
#ab-mon? p]iod beg9n+ on ! date (       
disbursem5t ( ! loan4  7#d7 ,int]e/2    
fees ,! ,adm9i/rator may n *>ge any     
int]e/ or fees = a loan made "u ?is     
section4  7e7 ,collat]al ,! ,adm9i/rator
 %all n decl9e to make a loan "u ?is    
section to an o!rwise eligible borr[]   
due solely to inadequate collat]al4 ,!  
,adm9i/rator %all accept any available  
collat]al1 includ+ subord9at$ li5s1 to  
secure a loan made "u ?is section4  7f7 
,=giv5ess ,if an eligible borr[] t      
receives loan proce$s "u ?is section    
demon/rates to ! ,adm9i/rator t ! numb] 
( employees ( su* eligible borr[] on    
,decemb] #ca1 #bjba1 is great] ?an or   

equal to ! numb] ( employees ( su*      
eligible borr[] on ,decemb] #ca1 #bjai1 
! ,adm9i/rator %all pay to ! l5d] ( su* 
eligible borr[]'s loan n m ?an #ej p]c5t
 ( ! out/&+ pr9cipal on su* loan4  7g7  
,sunset  7#a7 ,9 g5]al ,except z provid$
 9 p>agraph 7#b71 ! ,adm9i/rator ( !    
,small ,bus9ess ,adm9i/ration may n make
 a loan "u ?is section aft] ,septemb]   
#cj1 #bjbb4  7#b7 ,ext5sion ,!          
,adm9i/rator may ext5d au?ority to make 
loans "u ?is section by an additional #f
 mon?s by notify+ ,congress1 9 writ+1 )9
 #aj cal5d> days be=e any ext5sion4  7h7
 ,em]g5cy rulemak+ au?ority  7#a7 ,9    
g5]al ,)9 #ae days aft] ! date ( !      
enactm5t ( ?is section1 ! ,adm9i/rator (
 ! ,small ,bus9ess ,adm9i/ration-- 7,a7 
%all issue rules to c>ry out ?is        
section2 &  7,b7 may issue rules to     
e/abli% a second>y m>ket = loans made "u
 ?is section4  7#b7 ,notice ,! notice   
requirem5ts ( section #eec7;b7 ( title  
#e1 ,unit$ ,/ates ,code %all n apply to 
any issuance ( rules "u p>agraph 7#a74  

7i7 ,au?orization ( appropriations ,!re 
is au?oriz$ to be appropriat$ to !      
,adm9i/rator ( ! ,small ,bus9ess        
,adm9i/ration su* sums z may be necess>y
 to pay = ! co/ ( mak+ #ajj1jjj1jjj1jjj 
9 direct loans "u ?is section4 ,9 !     
previ\s s5t5ce1 ! co/ ( direct loans    
%all be z def9$ 9 section #ejb ( !      
,congressional ,budget ,act ( #aigd 7#b 
,u4,s4,c4 #ffa;a74  #c4 ,bus9ess        
/abilization gu>ante$ loan program  7a7 
,9 g5]al ,! ,adm9i/rator ( ! ,small     
,bus9ess ,adm9i/ration %all c>ry out a  
program to gu>antee loans to eligible   
borr[]s1 made by banks or o!r l5d]s4    
7b7 ,eligible borr[] def9$ ,9 ?is       
section1 ! t]m eligible borr[] means a  
p]son :o-- 7#a7 is a small bus9ess      
conc]n z def9$ "u section #c ( ! ,small 
,bus9ess ,act 7#ae ,u4,s4,c4 #fcb72 &   
7#b7 is locat$ 9 a ,/ate or t]ritory ( !
 ,unit$ ,/ates ) a confirm$ or presum$  
positive case ( ,,covid-#ai4  7c7 ,use (
 funds ,9 addition to ! use ( proce$s   
curr5tly p]mitt$ "u section #g7;a7 ( !  

,small ,bus9ess ,act 7#ae ,u4,s4,c4     
#fcf7;a771 loans gu>ante$ "u ?is section
 may be us$ = ! foll[+ purposes3 7#a7   
,to make p]iodic paym5ts ( pr9cipal &   
int]e/1 = a p]iod n to exce$ #ab mon?s1 
on a loan or a loan gu>antee made to an 
eligible borr[] t meets ! eligibility   
/&>ds ( su* section #g7;a74  7#b7 ,to   
provide b5efits to employees ( !        
eligible borr[]1 includ+ gr\p life      
insurance1 disability insurance1 sick   
leave1 annual leave1 educational        
b5efits1 paid family leave1 or retirem5t
 b5efits 7includ+ a p5sion plan or      
,,ira74  7#c7 ,to pay wages to employees
 ( ! eligible borr[]1 & relat$ ,/ate &  
,f$]al payroll taxes1 except t loan     
proce$s may n be us$ to pay am\nts "u a 
g>ni%m5t ord] issu$ by an ag5cy ( a     
,/ate or ,f$]al ,gov]nm5t4  7#d7 ,to    
provide te*nology1 h>dw>e1 or s(tw>e = a
 %ift to telework or remote "w =        
employees ( ! eligible borr[] to enable 
cont9uity ( op]ations4  7#e7 ,to pay r5t
 or utilities due or ow$ on any place ( 

bus9ess ( ! eligible borr[]4  7#f7 ,to  
ref9ance an exi/+ debt 7includ+ int]e/7 
9 an am\nt n to exce$ #ej p]c5t ( !     
am\nt ( ! debt4  7#g7 ,to provide floor 
plan f9anc+ or o!r revolv+ l9e ( cr$it4 
7#h7 ,to pay pa/-due ,f$]al1 ,/ate1 or  
local payroll taxes1 sales taxes1 or o!r
 simil> taxes t are requir$ to be       
collect$ by ! eligible borr[] & held 9  
tru/ on behalf ( a ,f$]al1 ,/ate1 or    
local gov]nm5t entity4  7#i7 ,to provide
 employees & patrons ( ! eligible borr[]
 ) ! necess>y items specifi$ by any     
public heal? au?ority to mitigate !     
spread ( ,,covid-#ai4  7d7 ,loan t]ms   
7#a7 ,am\nt ,loans gu>ante$ "u ?is      
section may n exce$ #b1ejj1jjj4  7#b7   
,disbursem5t ,) respect to a loan       
gu>ante$ "u ?is section1 loan am\nts    
%all be disburs$ z foll[s3 7,a7 ,n less 
?an #aj p]c5t1 b n m ?an #bj p]c5t1 (   
su* am\nt %all be disburs$ n lat] ?an #e
 cal5d> days aft] su* approval4  7,b7 ,n
 lat] ?an #ad cal5d> days aft] su*      
approval1 any rema9+ am\nts %all be     

disburs$4  7#c7 ,gu>antee ,loans        
gu>ante$ "u ?is section %all be #ajj    
p]c5t gu>ante$ by ! ,adm9i/rator ( !    
,small ,bus9ess ,adm9i/ration4  7#d7    
,int]e/ ,! ,adm9i/rator & p>ticipat+    
l5d]s %all n *>ge int]e/ on any loan    
gu>ante$ "u ?is section4  7e7 ,repaym5t 
,repaym5t = loans gu>ante$ "u ?is       
section-- 7#a7 %all be amortiz$ ov] a   
p]iod ( "t n to exce$ #aj ye>s2 &  7#b7 
may n beg9 until #ab mon?s 7:i* may be  
ext5d$ by ! ,adm9i/rator ( ! ,small     
,bus9ess ,adm9i/ration7 aft] ! f9al     
disbursem5t ( loan am\nts pursuant to   
subsection 7d77#b74  7f7 ,collat]al ,a  
l5d] may n decl9e to make a loan        
describ$ "u ?is section to an o!rwise   
eligible borr[] due solely to inadequate
 collat]al4 ,! ,adm9i/rator %all n      
decl9e to honor a gu>antee on a loan    
made by a l5d] t is gu>ante$ "u ?is     
section solely due to inadequate        
collat]al4 ,l5d]s %all accept any       
available collat]al1 includ+ subord9at$ 
li5s1 to secure a loan gu>ante$ "u ?is  

section4  7g7 ,fees ,nei!r !            
,adm9i/rator ( ! ,small ,bus9ess        
,adm9i/ration nor any l5d] may *>ge any 
fees to an applicant 9 connection ) a   
loan gu>ante$ "u ?is section4  7h7      
,=giv5ess ,if an eligible borr[] t      
receives loan proce$s "u ?is section    
demon/rates to ! ,adm9i/rator t ! numb] 
( employees ( su* eligible borr[] on    
,decemb] #ca1 #bjba1 is great] ?an or   
equal to ! numb] ( employees ( su*      
eligible borr[] on ,decemb] #ca1 #bjai1 
! ,adm9i/rator %all pay to ! l5d] ( su* 
eligible borr[]'s loan n m ?an #ej p]c5t
 ( ! out/&+ pr9cipal on su* loan4  7i7  
,sunset  7#a7 ,9 g5]al ,except z provid$
 9 p>agraph 7#b71 ! ,adm9i/rator ( !    
,small ,bus9ess ,adm9i/ration may n     
gu>antee a loan "u ?is section aft]     
,septemb] #cj1 #bjbb4  7#b7 ,ext5sion ,!
 ,adm9i/rator may ext5d au?ority to     
gu>antee loans "u ?is section by an     
additional #f mon?s by notify+          
,congress1 9 writ+1 )9 #aj cal5d> days  
be=e any ext5sion4  7j7 ,em]g5cy        

rulemak+ au?ority  7#a7 ,9 g5]al ,)9 #ae
 days aft] ! date ( ! enactm5t ( ?is    
section1 ! ,adm9i/rator ( ! ,small      
,bus9ess ,adm9i/ration-- 7,a7 %all issue
 rules to c>ry out ?is section2 &  7,b7 
may issue rules to e/abli% a second>y   
m>ket = loans made "u ?is section4  7#b7
 ,notice ,! notice requirem5ts ( section
 #eec7;b7 ( title #e1 ,unit$ ,/ates     
,code %all n apply to any issuance (    
rules "u p>agraph 7#a74  7k7            
,au?orization ( appropriations ,!re is  
au?oriz$ to be appropriat$              
#ajj1jjj1jjj1jjj to ! ,adm9i/rator ( !  
,small ,bus9ess ,adm9i/ration to c>ry   
out ?is section4  #d4 ,economic injury  
grants = small bus9ess conc]ns  7a7     
,grants ,! ,adm9i/rator ( ! ,small      
,bus9ess ,adm9i/ration %all provide     
grants to eligible small bus9ess conc]ns
 t h suff]$ a sub/antial economic injury
 7z def9$ 9 section #g7;b77#b7 ( !      
,small ,bus9ess ,act 7#ae ,u4,s4,c4     
#fcf7;b77#b771 directly or indirectly1 z
 a result ( ! public heal? em]g5cy      

decl>$ because ( ,,covid-#ai4  7b7      
,def9ition ( eligible small bus9ess     
conc]n ,9 ?is section1 ! t]m eligible   
small bus9ess conc]n means a small      
bus9ess conc]n 7z def9$ "u section #c ( 
! ,small ,bus9ess ,act 7#ae ,u4,s4,c4   
#fcb77 or an indep5d5t contractor4  7c7 
,am\nt ( grant ,a grant provid$ "u ?is  
section %all be 9 an am\nt t is n m ?an 
#ajj1jjj4  7d7 ,use ( funds ,an eligible
 small bus9ess conc]n t receives a grant
 "u ?is section may use ! grant funds to
 address ! direct effects ( !           
,,covid-#ai p&emic1 includ+-- 7#a7      
provid+ paid sick leave to employees    
unable to "w2  7#b7 ma9ta9+ payroll to  
reta9 employees dur+ bus9ess disruptions
 or sub/antial sl[d[ns2  7#c7 meet+     
increas$ co/s to obta9 mat]ials         
unavailable f ! orig9al s\rce ( !       
eligible small bus9ess conc]n due to    
int]rupt$ supply *a9s2  7#d7 mak+       
paym5ts "u a lease or mortgage loan     
relat$ to a place ( op]ation ( ! small  
bus9ess conc]n2  7#e7 repay+ obligations

 t _c be met due to rev5ue losses2 &    
7#f7 o!r exp5ses z deem$ appropriate by 
! ,adm9i/rator4  7e7 ,application  7#a7 
,9 g5]al ,an eligible small bus9ess     
conc]n desir+ a grant "u ?is section    
%all submit to ! ,adm9i/ration an       
application at su* "t1 9 su* mann]1 &   
conta9+ su* in=mation z ! ,adm9i/ration 
may require4  7#b7 ,/&>ds ,!            
,adm9i/rator %all e/abli% m9imum        
qualify+ /&>ds to ensure t applicants   
adv]sely impact$ by ! effects (         
,,covid-#ai p&emic receive funds        
exp$iti\sly "u ?is section4  7f7        
,proc$ures ,! ,adm9i/rator %all e/abli% 
proc$ures to v]ify & docum5t compliance 
) ! requirem5ts "u ?is section 9 ord] to
 prev5t wa/e1 fraud1 & abuse ( funds    
aw>d$ "u ?is section4  7g7 ,au?orization
 ( appropriations ,!re is au?oriz$ to be
 appropriat$ #ajj1jjj1jjj1jjj to !      
,adm9i/rator to c>ry out ?is section4   
7h7 ,em]g5cy rulemak+ au?ority  7#a7 ,9 
g5]al ,)9 #ae days aft] ! date ( !      
enactm5t ( ?is section1 ! ,adm9i/rator (

 ! ,small ,bus9ess ,adm9i/ration %all   
issue rules to c>ry out ?is section4    
7#b7 ,notice ,notice requirem5ts (      
section #eec7;b7 ( title #e1 ,unit$     
,/ates ,code %all n apply to any        
issuance ( rules "u p>agraph 7#a74  7i7 
,report ,n lat] ?an ,m>* #ca1 #bjbb1 !  
,adm9i/rator ( ! ,small ,bus9ess        
,adm9i/ration %all submit to ,congress a
 report t includes-- 7#a7 ! numb] (     
grants made "u ?is section1 disaggregat$
 by ! numb] ( grants made-- 7,a7 9 an   
am\nt less ?an or equal to #bj1jjj2     
7,b7 9 an am\nt great] ?an #bj1jjj b    
less ?an or equal to #dj1jjj2  7,c7 9 an
 am\nt great] ?an #dj1jjj b less ?an or 
equal to #fj1jjj2  7,d7 9 an am\nt      
great] ?an #fj1jjj b less ?an or equal  
to #hj1jjj2 &  7,e7 9 an am\nt great]   
?an #hj1jjj b less ?an or equal to      
#ajj1jjj2  7#b7 ! av]age am\nt ( an     
aw>d2  7#c7 an analysis ( ! program     
e/abli%$ "u ?is section & recomm5dations
 = improvem5t2  7#d7 ! av]age "t f      
receipt ( an application to approval (  

grant "u ?is section2 &  7#e7 ! av]age  
"t f approval ( grant to disbursem5t (  
grant funds4  7j7 ,t]m9ation ,! au?ority
 to c>ry out grants "u ?is section %all 
t]m9ate on ,septemb] #cj1 #bjba4  #e4   
,economic injury disa/] loans  7a7 ,t]ms
 ,) respect to a loan made "u section   
#g7;b77#b7 ( ! ,small ,bus9ess ,act 7#ae
 ,u4,s4,c4 #fcf7;b77#b77 9 response to  
,,covid-#ai1 ! ,adm9i/rator ( ! ,small  
,bus9ess ,adm9i/ration-- 7#a7 may make  
su* a loan to a />t-up small bus9ess    
conc]n2  7#b7 may waive any rules relat$
 to affiliation2 &  7#c7 %all1 ) respect
 to su* a loan made to a coop]ative1    
waive any requirem5t t ! borr[] ( su*   
loan provide a p]sonal gu>antee to repay
 su* loan4  7b7 ,prelim9>y am\nts  7#a7 
,9 g5]al ,an applicant = a loan "u      
section #g7;b77#b7 ( ! ,small ,bus9ess  
,act 7#ae ,u4,s4,c4 #fcf7;b77#b77 9     
response to ,,covid-#ai may reque/ t !  
,adm9i/rator provide an advance 9 !     
am\nt reque/$ by su* applicant 7n to    
exce$ #aj1jjj7 to su* applicant )9 #c   

days aft] ! ,adm9i/rator receives an    
application f su* applicant4  7#b7      
,v]ification ,be=e disburs+ am\nts "u   
?is subsection1 ! ,adm9i/rator %all     
v]ify t ! applicant is a small bus9ess  
conc]n 7z def9$ "u section #c ( su* ,act
 7#ae ,u4,s4,c4 #fcb774  7#c7 ,repaym5t 
,an applicant t is subsequ5tly d5i$ a   
loan "u su* section #g7;b77#b7 %all n be
 requir$ to repay any am\nts ( an       
advance provid$ "u ?is subsection4  7c7 
,approval & ability ,to repay = small   
doll> loans ,) respect to a loan made "u
 section #g7;b77#b7 ( ! ,small ,bus9ess 
,act 7#ae ,u4,s4,c4 #fcf7;b77#b77 9     
response to ,,covid-#ai t does n exce$  
#cej1jjj1 ! ,adm9i/rator-- 7#a7 may     
approve an applicant bas$ solely on !   
cr$it score ( ! applicant & %all n      
require an applicant to submit a tax    
return or a tax return transcript = su* 
approval2 or  7#b7 use alt]native       
appropriate me?ods to det]m9e an        
applicant's ability to repay4  7d7      
,em]g5cies involv+ f$]al prim>y         

responsibility qualify+ = small bus9ess 
adm9i/ration assi/ance ,section         
#g7;b77#b7 ( ! ,small ,bus9ess ,act 7#ae
 ,u4,s4,c4 #fcf7;b77#b77 is am5d$-- 7#a7
 9 subp>agraph 7,a71 by /rik+ or at !   
end2  7#b7 9 subp>agraph 7,b71 by /rik+ 
or at ! end2  7#c7 9 subp>agraph 7,c71  
by /rik+ or at ! end2  7#d7 by          
r$esignat+ subp>agraph 7,d7 z           
subp>agraph 7,e72  7#e7 by ins]t+ aft]  
subp>agraph 7,c7 ! foll[+3  7,d7 an     
em]g5cy involv+ ,f$]al prim>y           
responsibility det]m9$ to exi/ by !     
,presid5t "u ! section #eja7;b7 ( !     
,rob]t ,t4 ,/af=d ,disa/] ,relief &     
,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 
#eaia7;b772 or  2  7#f7 9 subp>agraph   
7,e71 z s r$esignat$-- 7,a7 by /rik+ or 
7,c7 & ins]t+ 7,c71 or 7,d72  7,b7 by   
/rik+ disa/] decl>ation ea* place x     
appe>s & ins]t+ disa/] or em]g5cy       
decl>ation2  7,c7 by /rik+ disa/] has   
occurr$ & ins]t+ disa/] or em]g5cy has  
occurr$2  7,d7 by /rik+ su* disa/] &    
ins]t+ su* disa/] or em]g5cy2 &  7,e7 by

 /rik+ disa/] /rick5 & ins]t+ disa/]- or
 em]g5cy-/rick52 &  7#g7 9 ! flu% matt] 
foll[+ subp>agraph 7,e7 7z s            
r$esignat$71 by /rik+ ! p]iod at ! end &
 ins]t+ ! foll[+3 3 ,provid$ fur!r1 t = 
purposes ( subp>agraph 7,d71 !          
,adm9i/rator %all deem t su* an em]g5cy 
affects ea* ,/ate or subdivision !re(   
7includ+ c\nties71 & t ea* ,/ate or     
subdivision has suffici5t economic      
damage to small bus9ess conc]ns to      
qualify = assi/ance "u ?is p>agraph & ! 
,adm9i/rator %all accept applications = 
su* assi/ance imm$iately44  7e7 ,cr$it  
else:]e requirem5ts ,! flu% matt] foll[+
 subp>agraph 7,e7 7z s r$esignat$7 (    
section #g7;b77#b7 ( ! ,small ,bus9ess  
,act 7#ae ,u4,s4,c4 #fcf7;b77#b77 is    
am5d$ by /rik+ ,t no loan or gu>antee & 
all t foll[s ?r\gh cr$it else:]e4 &     
ins]t+ ! foll[+3 ,! int]e/ rate on a    
loan or gu>antee made "u ?is p>agraph   
%all be n m ?an #b p]c5t1 if !          
,adm9i/rator det]m9es ! applicant is n  
able to obta9 cr$it else:]e1 or n m ?an 

#d p]c5t1 if ! ,adm9i/rator det]m9es !  
applicant is able to obta9 cr$it        
else:]e44  7f7 ,eligibility ,section    
#g7;b77#b7 ( ! ,small ,bus9ess ,act is  
am5d$ by /rik+ small agricultural       
coop]ative & ins]t+ small coop]ative4   
7g7 ,additional am\nts  7#a7 ,9 g5]al ,!
 ,adm9i/rator ( ! ,small ,bus9ess       
,adm9i/ration may increase by #bj p]c5t 
! am\nt receiv$ by an eligible small    
bus9ess conc]n "u section #g7;b77#b7 ( !
 ,small ,bus9ess ,act 7#ae ,u4,s4,c4    
#fcf7;b77#b77 to cov]                   
cont9uity-(-op]ations & risk mitigation 
improvem5ts1 includ+ telework           
capability1 (fsite record keep+1        
r$undancy1 ! adm9i/rative co/s (        
e/abli%+ paid sick leave1 & pres5teeism 
prev5tion4  7#b7 ,def9ition ,9 ?is      
section1 ! t]m eligible small bus9ess   
conc]n means a small bus9ess conc]n t-- 
7,a7 meets ! applicable size /&>d       
e/abli%$ "u section #c ( ! ,small       
,bus9ess ,act 7#ae ,u4,s4,c4 #fcb72 &   
7,b7 is receiv+ assi/ance "u section    

#g7;b77#b7 ( ! ,small ,bus9ess ,act 7#ae
 ,u4,s4,c4 #fcf7;b77#b77 relat$ to      
,,covid-#ai4  7h7 ,au?orization (       
appropriations ,!re is au?oriz$ to be   
appropriat$ to ! ,adm9i/rator to c>ry   
out ! loan program "u section #g7;b77#b7
 ( ! ,small ,bus9ess ,act 7#ae ,u4,s4,c4
 #fcf7;b77#b77-- 7#a7 #agg1jjj1jjj =    
adm9i/ration co/s2 &  7#b7              
#a1jjj1jjj1jjj to provide loans or o!r  
assi/ance4  #f4 ,subsidy = c]ta9 loan   
paym5ts  7a7 ,def9itions ,9 ?is         
section-- 7#a7 ! t]ms ,adm9i/ration &   
,adm9i/rator mean ! ,small ,bus9ess     
,adm9i/ration & ! ,adm9i/rator !re(2 &  
7#b7 ! t]m cov]$ loan means a loan t    
is-- 7,a7 gu>ante$ by ! ,adm9i/ration   
"u-- 7i7 section #g7;a7 ( ! ,small      
,bus9ess ,act 7#ae ,u4,s4,c4 #fcf7;a771 
includ+ a loan made "u ! ,community     
,advantage ,pilot ,program ( !          
,adm9i/ration2 or  7ii7 title ,v ( !    
,small ,bus9ess ,inve/m5t ,act ( #aieh  
7#ae ,u4,s4,c4 #fie et seq472 or  7,b7  
made by an int]m$i>y to a small bus9ess 

conc]n 7z def9$ 9 section #c ( ! ,small 
,bus9ess ,act 7#ae ,u4,s4,c4 #fcb77 us+ 
loans or grants receiv$ "u section #g7m7
 ( ! ,small ,bus9ess ,act 7#ae ,u4,s4,c4
 #fcf7m774  7b7 ,s5se ( congress ,x is !
 s5se ( ,congress t-- 7#a7 all borr[]s  
are adv]sely affect$ by ,,covid-#ai2    
7#b7 relief paym5ts by ! ,adm9i/ration  
are appropriate = all borr[]s2 &  7#c7 9
 addition to ! relief provid$ "u ?is    
section1 ! ,adm9i/ration %\ld enc\rage  
l5d]s to provide paym5t def]m5ts1 :5    
appropriate1 & to ext5d ! maturity (    
cov]$ loans1 s z to avoid balloon       
paym5ts or any requirem5t = increases 9 
debt paym5ts result+ f def]m5ts provid$ 
by l5d]s dur+ ! p]iod ( ! national      
em]g5cy decl>$ by ! ,presid5t "u !      
,national ,em]g5cies ,act 7#ej ,u4,s4,c4
 #afja et seq47 ) respect to            
,,covid-#ai4  7c7 ,pr9cipal & int]e/    
paym5ts  7#a7 ,9 g5]al ,! ,adm9i/rator  
%all pay ! pr9cipal1 int]e/1 & any      
associat$ fees t are ow$ on a cov]$ loan
 9 a regul> s]vic+ /atus-- 7,a7 )       

respect to a cov]$ loan made be=e ! date
 ( enactm5t ( ?is section & n on        
def]m5t1 = ! #f-mon? p]iod beg9n+ ) !   
next paym5t due on ! cov]$ loan2  7,b7 )
 respect to a cov]$ loan made be=e !    
date ( enactm5t ( ?is section & on      
def]m5t1 = ! #f-mon? p]iod beg9n+ ) !   
next paym5t due on ! cov]$ loan aft] !  
def]m5t p]iod2 &  7,c7 ) respect to a   
cov]$ loan made dur+ ! p]iod beg9n+ on !
 date ( enactm5t ( ?is section & end+ on
 ! date t is #f mon?s aft] su* date (   
enactm5t1 = ! #f-mon? p]iod beg9n+ ) !  
fir/ paym5t due on ! cov]$ loan4  7#b7  
,tim+ ( paym5t ,! ,adm9i/rator %all beg9
 mak+ paym5ts "u p>agraph 7#a7 on a     
cov]$ loan n lat] ?an #cj days aft] !   
date on :i* ! fir/ su* paym5t is due4   
7#c7 ,application ( paym5t ,any paym5t  
made by ! ,adm9i/rator "u p>agraph 7#a7 
%all be appli$ to ! cov]$ loan su* t !  
borr[] is reliev$ ( ! obligation to pay 
t am\nt4  7d7 ,o!r requirem5ts ,!       
,adm9i/rator %all-- 7#a7 communicate &  
coord9ate ) ! ,f$]al ,deposit ,insurance

 ,corporation1 ! ,(fice ( ! ,comptroll] 
( ! ,curr5cy1 & ,/ate bank regulators to
 enc\rage ^? entities to n require l5d]s
 to increase _! res]ves on acc\nt (     
receiv+ paym5ts made by ! ,adm9i/rator  
"u subsection 7c72  7#b7 waive /atutory 
limits on maximum loan maturities = any 
cov]$ loan durations :]e ! l5d] provides
 a def]ral & ext5ds ! maturity ( cov]$  
loans dur+ ! #a-ye> p]iod foll[+ ! date 
( enactm5t ( ?is section2 &  7#c7 :5    
necess>y to provide m "t because ( !    
pot5tial ( high] volumes1 travel        
re/rictions1 & ! inability to access "s 
prop]ties dur+ ! ,,covid-#ai p&emic1    
ext5d l5d] site visit requirem5ts to--  
7,a7 n m ?an #fj days 7:i* may be ext5d$
 at ! discretion ( ! ,adm9i/ration7 aft]
 ! occurr5ce ( an adv]se ev5t1 o!r ?an a
 paym5t default1 caus+ a loan to be     
classifi$ z 9 liquidation2 &  7,b7 n m  
?an #ij days aft] a paym5t default4  7e7
 ,rule ( con/ruction ,no?+ 9 ?is section
 may be con/ru$ to limit ! au?ority ( ! 
,adm9i/rator to make paym5ts pursuant to

 subsection 7c7 ) respect to a cov]$    
loan solely because ! cov]$ loan has be5
 sold 9 ! second>y m>ket4  7f7          
,au?orization ( appropriations ,!re is  
au?oriz$ to be appropriat$ to !         
,adm9i/rator #af1hjj1jjj1jjj to c>ry out
 ?is section4  #g4 ,tempor>y fee        
r$uctions  7a7 ,purpose ,! purpose ( !  
section is to waive borr[] & l5d] fees  
on loans1 includ+ a p]man5t fix to waive
 fees = vet]ans & _! sp\ses4  7b7       
,adm9i/rative fee waiv]  7#a7 ,9 g5]al  
,dur+ ! p]iod beg9n+ on ! date (        
enactm5t ( ?is ,act & end+ on ,septemb] 
#cj1 #bjba1 & to ! ext5t t ! co/ ( su*  
elim9ation or r$uction ( fees is (fset  
by appropriations1 ) respect to ea* loan
 gu>ante$ "u section #g7;a7 ( ! ,small  
,bus9ess ,act 7#ae ,u4,s4,c4 #fcf7;a77  
7includ+ a recipi5t ( assi/ance "u !    
,community ,advantage ,pilot ,program ( 
! ,adm9i/ration7 = :i* an application is
 approv$ or p5d+ approval on or aft] !  
date ( enactm5t ( ?is ,act1 !           
,adm9i/rator %all-- 7,a7 9 lieu ( ! fee 

o!rwise applicable "u section           
#g7;a77#bc77;,a7 ( ! ,small ,bus9ess    
,act 7#ae ,u4,s4,c4 #fcf7;a77#bc77;,a771
 collect no fee or r$uce fees to !      
maximum ext5t possible2 &  7,b7 9 lieu (
 ! fee o!rwise applicable "u section    
#g7;a77#ah77;,a7 ( ! ,small ,bus9ess    
,act 7#ae ,u4,s4,c4 #fcf7;a77#ah77;,a771
 collect no fee or r$uce fees to !      
maximum ext5t possible4  7#b7           
,application ( fee elim9ations or       
r$uctions ,to ! ext5t t am\nts are made 
available to ! ,adm9i/rator = ! purpose 
( fee elim9ations or r$uctions "u       
p>agraph 7#a71 ! ,adm9i/rator %all--    
7,a7 fir/ use any am\nts provid$ to     
elim9ate or r$uce fees paid by small    
bus9ess borr[]s "u clauses 7i7 ?r\gh    
7iii7 ( section #g7;a77#ah77;,a7 ( !    
,small ,bus9ess ,act 7#ae ,u4,s4,c4     
#fcf7;a77#ah77;,a771 to ! maximum ext5t 
possible2 &  7,b7 !n use any am\nts     
provid$ to elim9ate or r$uce fees "u    
#g7;a77#bc77;,a7 ( ! ,small ,bus9ess    
,act 7#ae ,u4,s4,c4 #fcf7;a77#bc77;,a774

  7c7 ,exception ,to gu>antee fee waiv] 
= vet]ans ,section #g7;a77#ca77;,g7 ( ! 
,small ,bus9ess ,act 7#ae ,u4,s4,c4     
#fcf7;a77#ca77;,g77 is am5d$-- 7#a7 by  
/rik+ clause 7ii72 &  7#b7 by r$esignat+
 clause 7iii7 z clause 7ii74  7d7       
,tempor>y fee elim9ation = ! #ejd loan  
program  7#a7 ,9 g5]al ,dur+ ! p]iod    
beg9n+ on ! date ( enactm5t ( ?is       
section & end+ on ,septemb] #cj1 #bjba1 
& to ! ext5t ! co/ ( su* elim9ation 9   
fees is (fset by appropriations1 )      
respect to ea* project or loan gu>ante$ 
by ! ,adm9i/rator pursuant to title ,v (
 ! ,small ,bus9ess ,inve/m5t ,act (     
#aieh 7#ae ,u4,s4,c4 #fie et seq47 = :i*
 an application is approv$ or p5d+      
approval on or aft] ! date ( enactm5t ( 
?is section-- 7,a7 ! ,adm9i/rator %all1 
9 lieu ( ! fee o!rwise applicable "u    
section #ejc7;d77#b7 ( ! ,small ,bus9ess
 ,inve/m5t ,act ( #aieh 7#ae ,u4,s4,c4  
#fig7;d77#b771 collect no fee2 &  7,b7 a
 developm5t company %all1 9 lieu ( !    
process+ fee "u section #abj4iga7;a77#a7

 ( title #ac1 ,code ( ,f$]al            
,regulations 7relat+ to fees paid by    
borr[]s71 or any successor !reto1       
collect no fee4  7#b7 ,reimbursem5t =   
waiv$ fees  7,a7 ,9 g5]al ,to ! ext5t t 
! co/ ( su* paym5ts is (fset by         
appropriations1 ! ,adm9i/rator %all     
reimburse ea* developm5t company t does 
n collect a process+ fee pursuant to    
p>agraph 7#a77;,b74  7,b7 ,am\nt ,!     
paym5t to a developm5t company "u       
subp>agraph 7,a7 %all be 9 an am\nt     
equal to #a4e p]c5t ( ! net deb5ture    
proce$s = :i* ! developm5t company does 
n collect a process+ fee pursuant to    
p>agraph 7#a77;,b74  #h4 ,gu>antee      
am\nts  7a7 ,purpose ,! purpose ( ?is   
section is to increase loan gu>antee    
am\nts 9 ord] to mitigate risk = l5d]s &
 keep cr$it fl[+1 includ+ an emphasis on
 und]s]v$ borr[]s4  7b7 #g7;a7 loan     
gu>antees  7#a7 ,9 g5]al ,section       
#g7;a77#b77;,a7 ( ! ,small ,bus9ess ,act
 7#ae ,u4,s4,c4 #fcf7;a77#b77;,a77 is   
am5d$ by /rik+ 71 su* p>ticipation by ! 

,adm9i/ration %all be equal to & all t  
foll[s ?r\gh ! p]iod at ! end & ins]t+  
or ! ,community ,advantage ,pilot       
,program ( ! ,adm9i/ration71 su*        
p>ticipation by ! ,adm9i/ration %all be 
equal to #ij p]c5t ( ! balance ( !      
f9anc+ out/&+ at ! "t ( disbursem5t ( ! 
loan44  7#b7 ,t]m9ation ,effective      
,septemb] #cj1 #bjba1 section           
#g7;a77#b77;,a7 ( ! ,small ,bus9ess ,act
 7#ae ,u4,s4,c4 #fcf7;a77#b77;,a771 z   
am5d$ by p>agraph 7#a71 is am5d$ to read
 z foll[s3  7,a7 ,9 g5]al ,except z     
provid$ 9 subp>agraphs 7,b71 7,d71 &    
7,e71 9 an agreem5t to p>ticipate 9 a   
loan on a def]r$ basis "u ?is subsection
 7includ+ a loan made "u ! ,pref]r$     
,l5d]s ,program71 su* p>ticipation by ! 
,adm9i/ration %all be equal to-- 7i7 #ge
 p]c5t ( ! balance ( ! f9anc+ out/&+ at 
! "t ( disbursem5t ( ! loan1 if su*     
balance exce$s #aej1jjj2 or  7ii7 #he   
p]c5t ( ! balance ( ! f9anc+ out/&+ at !
 "t ( disbursem5t ( ! loan1 if su*      
balance is less ?an or equal to         

#aej1jjj4  4  7c7 ,express loan gu>antee
 am\nts & loan size increases  7#a7     
,tempor>y modification ,section         
#g7;a77#ca7 ( ! ,small ,bus9ess ,act    
7#ae ,u4,s4,c4 #fcf7;a77#ca77 is am5d$--
 7,a7 9 subp>agraph 7,a77iv71 by /rik+ )
 a gu>anty rate ( n m ?an #ej p]c5t4 &  
ins]t+ ! foll[+3 ) a gu>antee rate--    
7,i7 = a loan 9 an am\nt less ?an or    
equal to #cej1jjj1 ( n m ?an #ij p]c5t2 
&  7,,ii7 = a loan 9 an am\nt great] ?an
 #cej1jjj1 ( n m ?an #ge p]c5t4  2 &    
7,b7 9 subp>agraph 7,d71 by /rik+       
#cej1jjj & ins]t+ #a1jjj1jjj4  7#b7     
,increase 9 availability ,effective     
,septemb] #cj1 #bjba1 section           
#g7;a77#ca7 ( ! ,small ,bus9ess ,act    
7#ae ,u4,s4,c4 #fcf7;a77#ca771 z am5d$  
by p>agraph 7#a71 is am5d$-- 7,a7 9     
subp>agraph 7,a77iv71 by /rik+ gu>antee 
rate & all t foll[s ?r\gh ! p]iod at !  
end & ins]t+ gu>antee rate ( n m ?an #ej
 p]c5t42 &  7,b7 9 subp>agraph 7,d71 by 
/rik+ #a1jjj1jjj & ins]t+ #ejj1jjj4  #i4
 ,maximum loan am\nt & program levels = 

#g7;a7 loans  7a7 ,purpose ,! purpose ( 
?is section is to tempor>ily increase ! 
maximum loan size 9 ord] to exp& ! rea* 
( ?is long-t]m capital4  7b7 ,maximum   
loan am\nt ,dur+ ! p]iod beg9n+ on !    
date ( enactm5t ( ?is section & end+ on 
,septemb] #cj1 #bjba1 ) respect to any  
loan gu>ante$ "u section #g7;a7 ( !     
,small ,bus9ess ,act 7#ae ,u4,s4,c4     
#fcf7;a77 = :i* an application is       
approv$ or p5d+ approval on or aft] !   
date ( enactm5t ( ?is section1 ! maximum
 loan am\nt %all be #aj1jjj1jjj4  7c7   
,program levels ,dur+ ea* ( fiscal ye>s 
#bjbj & #bjba1 commitm5ts = g5]al       
bus9ess loans au?oriz$ "u section #g7;a7
 ( ! ,small ,bus9ess ,act 7#ae ,u4,s4,c4
 #fcf7;a77 %all n exce$ #ge1jjj1jjj1jjj4
  #aj4 ,maximum loan am\nt = #ejd loans 
7a7 ,purpose ,! purpose ( ?is section is
 to make ref9anc+ ( fix$ assets m       
flexible = small bus9ess conc]ns seek+  
imm$iate f9anc+ & relief f ! ,,covid-#ai
 crisis4  7b7 ,tempor>y increase ,dur+ !
 p]iod beg9n+ on ! date ( enactm5t ( ?is

 section & end+ on ,septemb] #cj1 #bjba1
 ) respect to ea* project or loan       
gu>ante$ by ! ,adm9i/rator pursuant to  
title ,v ( ! ,small ,bus9ess ,inve/m5t  
,act ( #aieh 7#ae ,u4,s4,c4 #fie et     
seq47 = :i* an application is approv$ or
 p5d+ approval on or aft] ! date (      
enactm5t ( ?is section1 ! maximum loan  
am\nt %all be #aj1jjj1jjj4  7c7 ,p]man5t
 increase = small manufactur]s          
,effective on ,octob] #a1 #bjba1 section
 #ejb7b77;,a77iii7 ( ! ,small ,bus9ess  
,inve/m5t ,act ( #aieh 7#ae ,u4,s4,c4   
#fif7b77;,a77iii77 is am5d$ by /rik+    
#e1ejj1jjj & ins]t+ #aj1jjj1jjj4  #aa4  
,recov]y assi/ance = microbus9esses  7a7
 ,purpose ,! purpose ( ?is section is to
 all[ l5d]s to deploy m capital1 give   
borr[]s m "t to repay1 increase rural   
l5d+1 & cut te*nical assi/ance r$ tape4 
7b7 ,loans to int]m$i>ies  7#a7 ,9 g5]al
 ,section #g7m7 ( ! ,small ,bus9ess ,act
 7#ae ,u4,s4,c4 #fcf7m77 is am5d$-- 7,a7
 9 p>agraph 7#c77;,c7-- 7i7 by /rik+ &  
#f1jjj1jjj & ins]t+ #aj1jjj1jjj1 9 !    

aggregate12 &  7ii7 by ins]t+ be=e !    
p]iod at ! end ! foll[+3 1 & #d1ejj1jjj 
9 any ( ^? rema9+ ye>s2  7,b7 9 p>agraph
 7#d7-- 7i7 9 subp>agraph 7,a71 by /rik+
 subp>agraph 7,c7 ea* place t t]m appe>s
 & ins]t+ subp>agraphs 7,c7 & 7,g72     
7ii7 9 subp>agraph 7,c71 by am5d+ clause
 7i7 to read z foll[s3  7i7 ,9 g5]al ,9 
addition to grants made "u subp>agraph  
7,a7 or 7,g71 ea* int]m$i>y %all be     
eligible to receive a grant equal to #e 
p]c5t ( ! total out/&+ balance ( loans  
made to ! int]m$i>y "u ?is subsection   
if-- 7,i7 ! int]m$i>y provides n less   
?an #be p]c5t ( its loans to small      
bus9ess conc]ns locat$ 9 or own$ by "o  
or m resid5ts ( an economically di/ress$
 area2 or  7,,ii7 ! int]m$i>y has a     
portfolio ( loans made "u ?is           
subsection-- 7aa7 t av]ages n m ?an     
#aj1jjj dur+ ! p]iod ( ! int]m$i>y's    
p>ticipation 9 ! program2 or  7bb7 ( :i*
 n less ?an #be p]c5t is s]v+ rural     
areas dur+ ! p]iod ( ! int]m$i>y's      
p>ticipation 9 ! program4  2 &  7iii7 by

 add+ at ! end ! foll[+3  7,g7 ,grant   
am\nts bas$ on appropriations ,9 any    
fiscal ye> 9 :i* ! am\nt appropriat$ to 
make grants "u subp>agraph 7,a7 is      
suffici5t to provide to ea* int]m$i>y t 
receives a loan "u p>agraph 7#a77;,b77i7
 a grant ( n less ?an #be p]c5t ( !     
total out/&+ balance ( loans made to !  
int]m$i>y "u ?is subsection1 !          
,adm9i/ration %all make a grant "u      
subp>agraph 7,a7 to ea* int]m$i>y ( n   
less ?an #be p]c5t & n m ?an #cj p]c5t (
 t total out/&+ balance = ! int]m$i>y4  
2 &  7,c7 by /rik+ p>agraph 7#g7 &      
ins]t+ ! foll[+3  7#g7 ,program fund+ = 
microloans ,"u ! program au?oriz$ by ?is
 subsection1 ! ,adm9i/ration may fund1  
on a competitive basis1 n m ?an #cjj    
int]m$i>ies4  4  7#b7 ,am5dm5t 9 #bjba  
,effective on ,octob] #a1 #bjba1 section
 #g7m77#c77;,c7 ( ! ,small ,bus9ess ,act
 7#ae ,u4,s4,c4 #fcf7m77#c77;,c771 z    
am5d$ by p>agraph 7#a77;,a71 is fur!r   
am5d$-- 7,a7 by /rik+ #aj1jjj1jjj & by  
ins]t+ #g1jjj1jjj2 &  7,b7 by /rik+     

#d1ejj1jjj & ins]t+ #c1jjj1jjj4  7c7    
,tempor>y waiv] ( te*nical assi/ance    
grants mat*+ requirem5ts & flexibility  
on pre- & po/-,loan assi/ance ,dur+ !   
p]iod beg9n+ on ! date ( enactm5t ( ?is 
section & end+ on ,septemb] #cj1 #bjba1 
! ,adm9i/ration %all waive-- 7#a7 !     
requirem5t to contribute non-,f$]al     
funds "u section #g7m77#d77;,b7 ( !     
,small ,bus9ess ,act 7#ae ,u4,s4,c4     
#fcf7m77#d77;,b772 &  7#b7 ! limitation 
on am\nts all[$ to be exp5d$ to provide 
in=mation & te*nical assi/ance "u clause
 7i7 ( section #g7m77#d77;,e7 ( ! ,small
 ,bus9ess ,act 7#ae ,u4,s4,c4           
#fcf7m77#d77;,e77 & ent] into ?ird-p>ty 
contracts to provide te*nical assi/ance 
"u clause 7ii7 ( su* section            
#g7m77#d77;,e74  7d7 ,tempor>y duration 
( loans to borr[]s  7#a7 ,9 g5]al ,dur+ 
! p]iod beg9n+ on ! date ( enactm5t (   
?is section & end+ on ,septemb] #cj1    
#bjba1 ! duration ( a loan made by an   
eligible int]m$i>y "u section #g7m7 ( ! 
,small ,bus9ess ,act 7#ae ,u4,s4,c4     

#fcf7m77-- 7,a7 to an exi/+ borr[] may  
be ext5d$ to n m ?an #h ye>s2 &  7,b7 to
 a new borr[] may be n m ?an #h ye>s4   
7#b7 ,rev]sion ,on & aft] ,octob] #a1   
#bjba1 ! duration ( a loan made by an   
eligible int]m$i>y to a borr[] "u       
section #g7m7 ( ! ,small ,bus9ess ,act  
7#ae ,u4,s4,c4 #fcf7m77 %all be #g ye>s 
or su* o!r am\nt e/abli%$ by !          
,adm9i/rator4  7e7 ,program levels      
,section #bj ( ! ,small ,bus9ess ,act   
7#ae ,u4,s4,c4 #fca note7 is am5d$ by   
add+ at ! end ! foll[+3  7h7 ,microloan 
program ,= ea* ( fiscal ye>s #bjba ?r\gh
 #bjbe1 ! ,adm9i/ration is au?oriz$ to  
make-- 7#a7 #hj1jjj1jjj 9 te*nical      
assi/ance grants1 z provid$ 9 section   
#g7m72 &  7#b7 #aaj1jjj1jjj 9 direct    
loans1 z provid$ 9 section #g7m74  4    
7f7 ,au?orization ( appropriations ,9   
addition to am\nts provid$ "u !         
,consolidat$ ,appropriations ,act1 #bjbj
 7,public ,law #aaf-ic7 = ! program     
e/abli%$ "u section #g7m7 ( ! ,small    
,bus9ess ,act 7#ae ,u4,s4,c4 #fcf7m771  

!re is au?oriz$ to be appropriat$ =     
fiscal ye> #bjbj1 to rema9 available    
until exp5d$-- 7#a7 #ej1jjj1jjj to      
provide te*nical assi/ance grants "u su*
 section #g7m72 &  7#b7 #g1jjj1jjj to   
provide direct loans "u su* section     
#g7m74  #ab4 ,additional lev]age = small
 bus9esses affect$ by ! ,,covid-#ai     
outbreak  7a7 ,9 g5]al ,section         
#cjc7;b77#b7 ( ! ,small ,bus9ess        
,inve/m5t ,act ( #aieh 7#ae ,u4,s4,c4   
#fhc7;b77#b77 is am5d$ by add+ at ! end 
! foll[+3  7,e7 ,additional lev]age base
 on inve/m5t  7i7 ,exclusion ( am\nts ,9
 calculat+ ! out/&+ lev]age ( a company 
= purposes ( subp>agraph 7,a7 or 7,b71 !
 ,adm9i/rator %all exclude ! am\nt (    
lev]age out/&+ to cov]$ small bus9esses1
 n to exce$ an am\nt equal to           
#ajj1jjj1jjj1 if ! am\nt exclud$ is us$ 
exclusively = work+ capital purposes4   
7ii7 ,cov]$ small bus9ess def9$ ,9 ?is  
subp>agraph1 ! t]m cov]$ small bus9ess  
means a small bus9ess conc]n is locat$ 9
 a ,/ate or ,unit$ ,/ates t]ritory ) at 

lea/ "o confirm$ or presum$ positive    
case ( ,,covid-#ai4  4  7b7 ,application
 ,not)/&+ any o!r provision ( law1 =    
purposes ( additional lev]age reque/$ "u
 subp>agraph 7,e7 ( section #cjc7;b77#b7
 ( ! ,small ,bus9ess ,inve/m5t ,act (   
#aieh1 z add$ by subsection 7a71 !      
,adm9i/rator %all approve or d5y su*    
reque/ )9 #ad cal5d> days ( receipt by !
 ,adm9i/rator ( ! reque/4  #ac4 ,new    
,m>kets ,v5ture ,capital ,program       
,section #cfh7;a7 ( ! ,small ,bus9ess   
,inve/m5t ,act ( #aieh 7#ae ,u4,s4,c4   
#fhiq7a77 is am5d$-- 7#a7 by /rik+      
fiscal ye>s #bjja ?r\gh #bjjf & ins]t+  
fiscal ye>s #bjbj ?r\gh #bjbe2  7#b7 9  
p>agraph 7#a71 by /rik+ #aej1jjj1jjj &  
ins]t+ #aj1jjj1jjj1jjj2 &  7#c7 9       
p>agraph 7#b71 by /rik+ #cj1jjj1jjj &   
ins]t+ #b1jjj1jjj1jjj4  #ad4 ,grants to 
small bus9ess developm5t c5t]s1 wom5's  
bus9ess c5t]s1 & *apt]s ( ! ,s]vice     
,corps ( ,retir$ ,executives  7a7 ,9    
g5]al ,! ,adm9i/rator ( ! ,small        
,bus9ess ,adm9i/ration %all provide     

grants to small bus9ess developm5t      
c5t]s1 wom5's bus9ess c5t]s1 & *apt]s ( 
! ,s]vice ,corps ( ,retir$ ,executives =
 ! purposes describ$ 9 subsection 7b74  
7b7 ,use ( funds ,grant funds "u ?is    
section %all be us$ = ! foll[+3 7#a7 ,to
 pur*ase laptops1 s(tw>e1 & o!r relat$  
te*nical or electronic equipm5t to      
ensure t employees ( small bus9ess      
developm5t c5t]s1 wom5's bus9ess c5t]s1 
& *apt]s ( ! ,s]vice ,corps ( ,retir$   
,executives may telework & provide      
remote cu/om] s]vice 9 response to a    
public heal? em]g5cy decl>$ because (   
,,covid-#ai4  7#b7 ,to create m>ket+    
mat]ials = employees ( small bus9ess    
developm5t c5t]s1 wom5's bus9ess c5t]s1 
& *apt]s ( ! ,s]vice ,corps ( ,retir$   
,executives to educate cu/om]s on       
available tra9+ & c\nsel+ res\rces      
relevant to a public heal? em]g5cy      
decl>$ because ( ,,covid-#ai4  7c7      
,def9itions ,9 ?is section3 7#a7        
,adm9i/rator ,! t]m ,adm9i/rator means !
 ,adm9i/rator ( ! ,small ,bus9ess       

,adm9i/ration4  7#b7 ,s]vice ,corps (   
,retir$ ,executives ,! t]m ,s]vice      
,corps ( ,retir$ ,executives means !    
,s]vice ,corps ( ,retir$ ,executives    
e/abli%$ "u section #h7;b77#a77;,b7 ( ! 
,small ,bus9ess ,act 7#ae ,u4,s4,c4     
#fcg7;b77#a77;,b774  7#c7 ,small bus9ess
 developm5t c5t] ,! t]m small bus9ess   
developm5t c5t] has ! mean+ giv5 9      
section #c ( ! ,small ,bus9ess ,act 7#ae
 ,u4,s4,c4 #fcb74  7#d7 ,wom5's bus9ess 
c5t] ,! t]m wom5's bus9ess c5t] means a 
wom5's bus9ess c5t] z describ$ "u       
section #bi ( ! ,small ,bus9ess ,act    
7#ae ,u4,s4,c4 #fef74  7d7 ,au?orization
 ( appropriations ,!re is au?oriz$ to be
 appropriat$ #be1jjj1jjj to !           
,adm9i/rator to c>ry out ?is ,act1 ( :i*
 n less ?an #ae1jjj1jjj %all be us$ =   
grants to small bus9ess developm5t      
c5t]s4  #ae4 ,grant programs = small    
bus9ess developm5t c5t]s1 wom5's bus9ess
 c5t]s1 & *apt]s ( ! ,s]vice ,corps (   
,retir$ ,executives  7a7 ,small bus9ess 
developm5t c5t] grants  7#a7 ,small     

bus9ess developm5t c5t] grants ,!       
,adm9i/rator ( ! ,small ,bus9ess        
,adm9i/ration %all provide grants to    
small bus9ess developm5t c5t]s 7z def9$ 
9 section #c ( ! ,small ,bus9ess ,act   
7#ae ,u4,s4,c4 #fcb77 = ! purposes      
describ$ 9 p>agraph 7#b74  7#b7 ,use (  
funds ,grant funds "u ?is subsection    
%all be us$ to educate1 tra91 & advise  
own]s & employees ( small bus9ess       
conc]ns 7z def9$ "u section #c ( !      
,small ,bus9ess ,act 7#ae ,u4,s4,c4     
#fcb77 on ! foll[+ matt]s3 7,a7 ,!      
haz>ds ( & prev5tion ( ! transmission & 
communication ( ,,covid-#ai & simil>    
communicable diseases4  7,b7 ,! pot5tial
 effects to ! supply *a9s1 di/ribution1 
& sale ( products ( ! conc]n1 & !       
mitigation ( su* effects1 dur+ a p]iod (
 a public heal? em]g5cy decl>$ because (
 ,,covid-#ai or a simil> communicable   
disease4  7,c7 ,! managem5t & practice (
 telework or remote cu/om] s]vice by    
electronic or o!r means to r$uce        
possible transmission ( ,,covid-#ai &   

o!r communicable diseases4  7,d7 ,!     
risks & mitigation ( cyb] ?reats 9      
remote cu/om] s]vice or telework        
practices4  7,e7 ,! mitigation ( !      
effects ( r$uc$ travel or outside       
activities dur+ a p]iod ( a public heal?
 em]g5cy decl>$ because ( ,,covid-#ai or
 a simil> communicable disease4  7,f7   
,bus9ess cont9uity plans dur+ a p]iod ( 
a public heal? em]g5cy decl>$ because ( 
,,covid-#ai or a simil> communicable    
disease4  7,g7 ,any o!r relevant bus9ess
 practices necess>y to mitigate any     
economic effects exp]i5c$ dur+ a p]iod (
 a public heal? em]g5cy decl>$ because (
 ,,covid-#ai or a simil> communicable   
disease4  7#c7 ,=mula ,! ,adm9i/rator & 
! association au?oriz$ "u section       
#ba7;a77#c77;,a7 ( ! ,small ,bus9ess    
,act 7#ae ,u4,s4,c4 #fdh7;a77#c77;,a77  
%all jo9tly e/abli% a =mula "u :i*      
grants "u ?is subsection %all be aw>d$4 
7#d7 ,metrics & ,goals  7,a7 ,9 g5]al ,!
 ,adm9i/rator & ! association describ$ 9
 p>agraph 7#c7 %all jo9tly e/abli% goals

 & metrics = ! use ( funds made         
available "u ?is subsection4 ,su* goals 
& metrics %all-- 7i7 consid] ! ext5t ( !
 circum/ances relat+ to ! spread (      
,,covid-#ai or a simil> communicable    
disease t affect small bus9ess conc]ns  
s]v$ by ea* grant recipi5t1 p>ticul>ly  
rural areas or economically di/ress$    
areas2  7ii7 ensure grant recipi5ts     
comply ) ! requirem5ts ( p>agraph 7#b7  
:ile also ensur+ t grant recipi5ts may h
 flexibility 9 respond+ to unique       
situations2 &  7iii7 enc\rage grant     
recipi5ts to develop & provide s]vices  
to small bus9ess conc]ns t are locat$ 9 
areas sub/antially affect$ by           
,,covid-#ai4  7,b7 ,public availability 
,! ,adm9i/rator %all make publicly      
available ! me?odology by :i* !         
,adm9i/rator & ! association jo9tly     
develop$ ! metrics & goals describ$ 9   
subp>agraph 7,a74  7#e7 ,au?orization ( 
appropriations ,!re is au?oriz$ to be   
appropriat$ #ge1jjj1jjj1 to rema9       
available until exp5d$1 to !            

,adm9i/rator to c>ry out ?is subsection4
  7b7 ,e/abli%m5t ( wom5's bus9ess c5t] 
& ,s]vice ,corps ( ,retir$ ,executives  
grants  7#a7 ,9 g5]al ,! ,adm9i/rator ( 
! ,small ,bus9ess ,adm9i/ration %all    
provide grants to wom5's bus9ess c5t]s  
7z describ$ "u section #bi ( ! ,small   
,bus9ess ,act 7#ae ,u4,s4,c4 #fef77 & to
 *apt]s ( ! ,s]vice ,corps ( ,retir$    
,executives 7e/abli%$ "u section        
#h7;b77#a77;,b7 ( ! ,small ,bus9ess ,act
 7#ae ,u4,s4,c4 #fcg7;b77#a77;,b777 = ! 
purposes describ$ 9 p>agraph 7#b74  7#b7
 ,use ( funds ,grant funds "u ?is       
subsection %all be us$ to educate1 tra91
 & advise own]s & employees ( small     
bus9ess conc]ns on ! foll[+ matt]s3 7,a7
 ,! haz>ds ( & prev5tion ( !            
transmission & communication (          
,,covid-#ai & simil> communicable       
diseases4  7,b7 ,! pot5tial effects to !
 supply *a9s1 di/ribution1 & sale (     
products ( ! conc]n1 & ! mitigation (   
su* effects1 dur+ a p]iod ( a public    
heal? em]g5cy decl>$ because (          

,,covid-#ai or a simil> communicable    
disease4  7,c7 ,! managem5t & practice (
 telework or remote cu/om] s]vice by    
electronic or o!r means to r$uce        
possible transmission ( ,,covid-#ai &   
o!r communicable diseases4  7,d7 ,!     
risks & mitigation ( cyb] ?reats 9      
remote cu/om] s]vice or telework        
practices4  7,e7 ,! mitigation ( !      
effects ( r$uc$ travel or outside       
activities dur+ a p]iod ( a public heal?
 em]g5cy decl>$ because ( ,,covid-#ai or
 a simil> communicable disease4  7,f7   
,bus9ess cont9uity plans dur+ a p]iod ( 
a public heal? em]g5cy decl>$ because ( 
,,covid-#ai or a simil> communicable    
disease4  7,g7 ,any o!r relevant bus9ess
 practices necess>y to mitigate any     
economic effects exp]i5c$ dur+ a p]iod (
 a public heal? em]g5cy decl>$ because (
 ,,covid-#ai or a simil> communicable   
disease4  7#c7 ,au?orization (          
appropriations ,!re is au?oriz$ to be   
appropriat$ #be1jjj1jjj1 to rema9       
available until exp5d$1 to !            

,adm9i/rator to c>ry out ?is section4   
7c7 ,report ,n lat] ?an #f mon?s aft] ! 
date ( enactm5t ( ?is section1 &        
annually !reaft] until ! am\nts au?oriz$
 9 subsection 7a77#e7 & subsection      
7b77#c7 h be5 exp5d$1 ! ,adm9i/rator    
%all submit to ! ,committee on ,small   
,bus9ess & ,entrepr5eur%ip ( ! ,s5ate & 
! ,committee on ,small ,bus9ess ( !     
,h\se ( ,repres5tatives a report t--    
7#a7 describes1 ) respect to ! initial  
ye> cov]$ by ! report1 ! programs &     
s]vices develop$ & provid$ by !         
,adm9i/rator1 small bus9ess developm5t  
c5t]s1 wom5's bus9ess c5t]s1 & *apt]s ( 
! ,s]vice ,corps ( ,retir$ ,executives 9
 response to a public heal? em]g5cy     
decl>$ because ( ,,covid-#ai2 &  7#b7   
describes1 ) respect to ! subsequ5t ye>s
 cov]$ by ! report-- 7,a7 ! ef=ts ( !   
,adm9i/rator1 small bus9ess developm5t  
c5t]s1 wom5's bus9ess c5t]s1 & *apt]s ( 
! ,s]vice ,corps ( ,retir$ ,executives  
to develop s]vices to assi/ small       
bus9ess conc]ns affect$ by ,,covid-#ai2 

7,b7 ! *all5ges fac$ by own]s ( small   
bus9ess conc]ns 9 access+ s]vices       
provid$ by ! ,adm9i/rator1 small bus9ess
 developm5t c5t]s1 wom5's bus9ess c5t]s1
 & *apt]s ( ! ,s]vice ,corps ( ,retir$  
,executives 9 response to a public heal?
 em]g5cy decl>$ because ( ,,covid-#ai2  
7,c7 ! numb] ( unique small bus9ess     
conc]ns t 7 s]v$ by ! ,adm9i/rator1     
small bus9ess developm5t c5t]s1 wom5's  
bus9ess c5t]s1 & *apt]s ( ! ,s]vice     
,corps ( ,retir$ ,executives "u !       
programs e/abli%$ by ?is section2 &     
7,d7 o!r relevant p]=mance data )       
respect to small bus9ess conc]ns affect$
 by ,,covid-#ai1 includ+ ! numb] (      
employees affect$1 ! effect on sales ( !
 conc]n1 any disruptions ( supply *a9s1 
& ! ef=ts made by ! ,adm9i/rator1 small 
bus9ess developm5t c5t]s1 wom5's bus9ess
 c5t]s1 & *apt]s ( ! ,s]vice ,corps (   
,retir$ ,executives 7z applicable7 to   
mitigate ^! effects4  #af4 ,waiv] (     
mat*+ funds requirem5t "u ! wom5's      
bus9ess c5t] program ,dur+ ! #c-mon?    

p]iod beg9n+ on ! date ( ! enactm5t (   
?is section1 ! requirem5t relat+ to     
obta9+ ca% contributions f non-,f$]al   
s\rces "u section #bi7;c77#a7 ( ! ,small
 ,bus9ess ,act 7#ae ,u4,s4,c4           
#fef7;c77#a77 is waiv$ = any recipi5t ( 
assi/ance "u su* section #bi4  #ag4     
,/ate ,trade ,expansion ,program  7a7   
,reimbursem5t ,! ,adm9i/rator ( ! ,small
 ,bus9ess ,adm9i/ration %all reimburse  
any recipi5t ( assi/ance "u section     
#bb7l7 ( ! ,small ,bus9ess ,act 7#ae    
,u4,s4,c4 #fdi7l77 = f9ancial losses    
relat+ to a =eign trade mission or a    
trade %[ exhibition t 0 cancell$ solely 
due to a public heal? em]g5cy decl>$ due
 to ,,covid-#ai4  7b7 ,budget plan      
revisions ,section #bb7l77#c7 ( ! ,small
 ,bus9ess ,act 7#ae ,u4,s4,c4           
#fdi7l77#c77 is am5d$-- 7#a7 9          
subp>agraph 7,d77i71 by ins]t+ 1 includ+
 a budget plan = use ( funds aw>d$ "u   
?is subsection be=e ! p]iod at ! end2 & 
7#b7 by add+ at ! end ! foll[+ new      
subp>agraph3  7,e7 ,budget plan         

revisions  7i7 ,9 g5]al ,a ,/ate receiv+
 a grant "u ?is subsection may revise ! 
budget plan ( ! ,/ate submitt$ "u       
subp>agraph 7,d7 aft] ! disbursal (     
grant funds if-- 7,i7 ! revision        
complies ) all[able uses ( grant funds  
"u ?is subsection2 &  7,,ii7 su* ,/ate  
submits notification ( ! revision to !  
,associate ,adm9i/rator4  7ii7          
,exception ,if a revision "u clause 7i7 
reallocates #aj p]c5t or m ( ! am\nts   
describ$ 9 ! budget plan ( ! ,/ate      
submitt$ "u subp>agraph 7,d71 ! ,/ate   
may n implem5t ! revis$ budget plan )\t 
! approval ( ! ,associate ,adm9i/rator1 
unless ! ,associate ,adm9i/rator fails  
to approve or d5y ! revis$ plan )9 #aj  
days aft] receipt ( su* revis$ plan4  4 
#ah4 ,contract+ & entrepr5eurial        
developm5t assi/ance  7a7 ,purpose ,!   
purpose ( ?is section is to provide--   
7#a7 flexibility to small bus9ess ,f$]al
 suppli]s & to ! ,f$]al ,gov]nm5t to m  
quickly aw>d contract+ doll>s to small  
bus9ess conc]ns 9 times ( economic      

unc]ta9ty & d[nturn relat$ to           
,,covid-#ai2 &  7#b7 additional funds to
 res\rce p>tn]s ( ! ,adm9i/ration1 su* z
 small bus9ess developm5t c5t]s1 wom5's 
bus9ess c5t]s1 & ,,score to conduct     
outrea* to small bus9ess conc]ns affect$
 by ,,covid-#ai1 includ+ by increas+ _! 
virtual outrea* capacity4  7b7          
,def9itions ,9 ?is section-- 7#a7 ! t]m 
contract+ (fic] has ! mean+ giv5 ! t]m 9
 section #cf7;e7 ( ! ,small ,bus9ess    
,act 7#ae ,u4,s4,c4 #feg;f7e772  7#b7 ! 
t]m cov]$ entity means a small bus9ess  
conc]n t-- 7,a7 is a p>ty to a contract 
) a ,f$]al ag5cy2 &  7,b7 exp]i5ces an  
adv]se impact to ! op]ations ( ! small  
bus9ess conc]n z a result ( ,,covid-#ai2
  7#c7 ! t]m economically disadvantag$  
wom5-own$ small bus9ess has ! mean+ giv5
 ! t]m 9 section #abg4ajb ( title #ac1  
,code ( ,f$]al ,regulations1 or any     
successor regulation2  7#d7 ! t]m       
,h,u,b,zone small bus9ess conc]n has !  
mean+ giv5 ! t]m 9 section #ca7;b7 ( !  
,small ,bus9ess ,act 7#ae ,u4,s4,c4     

#feg;a7b772  7#e7 ! t]m ,,score means ! 
,s]vice ,corps ( ,retir$ ,executives    
program e/abli%$ "u section             
#h7;b77#a77;,b7 ( ! ,small ,bus9ess ,act
 7#ae ,u4,s4,c4 #fcg7;b77#a77;,b772     
7#f7 ! t]m small bus9ess conc]n own$ &  
controll$ by s]vice-disabl$ vet]ans has 
! mean+ giv5 ! t]m 9 section #c7q7 ( !  
,small ,bus9ess ,act 7#ae ,u4,s4,c4     
#fcb7q772  7#g7 ! t]m small bus9ess     
conc]n own$ & controll$ by wom5 has !   
mean+ giv5 ! t]m 9 section #h7m7 ( !    
,small ,bus9ess ,act 7#ae ,u4,s4,c4     
#fcg7m772  7#h7 ! t]m small bus9ess     
developm5t c5t] has ! mean+ giv5 ! t]m 9
 section #c7t7 ( ! ,small ,bus9ess ,act 
7#ae ,u4,s4,c4 #fcb7t772 &  7#i7 ! t]m  
wom5's bus9ess c5t] means a wom5's      
bus9ess c5t] describ$ 9 section #bi ( ! 
,small ,bus9ess ,act 7#ae ,u4,s4,c4     
#fef74  7c7 ,promotion ( small bus9ess  
contract+  7#a7 ,small bus9ess contract+
 relief ,not)/&+ any o!r provision ( law
 or regulation1 dur+ ! p]iod beg9n+ on !
 date ( enactm5t ( ?is section & end+ on

 ,septemb] #cj1 #bjba1 ! head ( ! ,f$]al
 ag5cy ) :i* a cov]$ entity has a       
contract %all provide ! cov]$ entity )--
 7,a7 #ij additional days to c>ry out ! 
responsibilities ( ! cov]$ entity "u !  
contract2 or  7,b7 an additional am\nt (
 "t to c>ry out ! responsibilities ( !  
cov]$ entity "u ! contract t ! head ( ! 
,f$]al ag5cy det]m9es to be appropriate 
aft] tak+ into consid]ation ! sev]ity ( 
! adv]se impact exp]i5c$ by ! cov]$     
entity4  7#b7 ,paym5t cont9uation ,if ! 
p]=mance ( all or any "p ( ! "w ( a     
,f$]al goods or s]vices contract 9 =ce &
 effect dur+ ! p]iod beg9n+ on ! date ( 
enactm5t ( ?is section & end+ on        
,septemb] #cj1 #bjba1 is unavoidably    
delay$ or int]rupt$ by ! small bus9ess  
contractor employees' inability to      
access ,gov]nm5t facilities1 sy/ems1 or 
o!r ,gov]nm5t-provid$ res\rces due to   
re/rictions relat$ to ,,covid-#ai t h   
be5 impos$ by any au?ority or due to    
ord]s or in/ructions issu$ by !         
,contract+ ,ag5cy 9 response to         

,,covid-#ai1 ! ,gov]nm5t %all pay !     
small bus9ess contractor1 ^u !          
submission ( ! docum5tation requir$ by !
 contract & accord+ to ! t]ms specifi$ 9
 ! contract1 ! prices /ipulat$ 9 !      
contract = goods or s]vices z if ! small
 bus9ess contractor _h r5d]$ & !        
,gov]nm5t accept$ ! goods or s]vices4   
,contractor deliv]y s*$ules %all be     
revis$ & small bus9ess contractors %all 
be eligible = equitable adju/m5ts bas$  
on ! revis$ s*$ules4  7#c7 ,tempor>y    
sole-s\rce aw>d p>ity among contract+   
programs ,not)/&+ any o!r provision (   
law or regulation1 dur+ ! p]iod beg9n+  
on ! date ( enactm5t ( ?is section &    
end+ on ,septemb] #cj1 #bjba1 ) respect 
to a small bus9ess conc]n own$ &        
controll$ by wom51 an economically      
disadvantag$ wom5-own$ small bus9ess1 a 
,h,u,b,zone small bus9ess conc]n1 or a  
small bus9ess conc]n own$ & controll$ by
 s]vice-disabl$ vet]ans1 a contract+    
(fic] may aw>d a sole s\rce contract to 
! small bus9ess conc]n if ! anticipat$  

aw>d price ( ! contract w n exce$ !     
maximum p]missible am\nt = ! contract1 z
 provid$ "u ! applicable provision ( !  
,small ,bus9ess ,act 7#ae ,u4,s4,c4 #fca
 et seq471 z am5d$ by ?is subsection4   
7#d7 ,increas+ sole s\rce caps  7,a7    
,qualifi$ hubzone small bus9ess conc]ns 
,section #ca7;c77#b77;,a77ii7 ( ! ,small
 ,bus9ess ,act 7#ae ,u4,s4,c4           
#feg;a7c77#b77;,a77ii77 is am5d$-- 7i7 9
 subclause 7,i71 by /rik+ #e1jjj1jjj &  
ins]t+ #aj1jjj1jjj2 &  7ii7 9 subclause 
7,,ii71 by /rik+ #c1jjj1jjj & ins]t+    
#h1jjj1jjj4  7,b7 ,small bus9ess conc]ns
 own$ & controll$ by s]vice-disabl$     
vet]ans ,section #cf7;a77#b7 ( ! ,small 
,bus9ess ,act 7#ae ,u4,s4,c4            
#feg;f7a77#b77 is am5d$-- 7i7 9         
subp>agraph 7,a71 by /rik+ #e1jjj1jjj & 
ins]t+ #aj1jjj1jjj2 &  7ii7 9           
subp>agraph 7,b71 by /rik+ #c1jjj1jjj & 
ins]t+ #h1jjj1jjj4  7,c7 ,small bus9ess 
conc]ns own$ & controll$ by socially &  
economically disadvantag$ individuals   
,section #h7;a77#a77;,d77i77,,ii7 ( !   

,small ,bus9ess ,act 7#ae ,u4,s4,c4     
#fcg7;a77#a77;,d77i77,,ii77 is am5d$--  
7i7 by /rik+ #e1jjj1jjj & ins]t+        
#aj1jjj1jjj2 &  7ii7 by /rik+ #c1jjj1jjj
 & ins]t+ #h1jjj1jjj4  7,d7 ,c]ta9 small
 bus9ess conc]ns own$ & controll$ by    
wom5 ,section #h7m7 ( ! ,small ,bus9ess 
,act 7#ae ,u4,s4,c4 #fcg7m77 is am5d$-- 
7i7 9 p>agraph 7#g77;,b7-- 7,i7 9 clause
 7i71 by /rik+ #f1ejj1jjj & ins]t+      
#aj1jjj1jjj2 &  7,,ii7 9 clause 7ii71 by
 /rik+ #d1jjj1jjj & ins]t+ #h1jjj1jjj2 &
  7ii7 9 p>agraph 7#h77;,b7-- 7,i7 9    
clause 7i71 by /rik+ #f1ejj1jjj & ins]t+
 #aj1jjj1jjj2 &  7,,ii7 9 clause 7ii71  
by /rik+ #d1jjj1jjj & ins]t+ #h1jjj1jjj4
  7#e7 ,prompt ,paym5ts ( ,small        
,bus9ess ,contractors ,not)/&+ any o!r  
provision ( law or regulation1 dur+ !   
p]iod beg9n+ on ! date ( enactm5t ( ?is 
section & until ! invocation ( ! ,def5se
 ,production ,act on ,m>* #ah1 #bjbj1 by
 ! ,presid5t is repeal$ or resc9d$--    
7,a7 = a prime contractor 7z def9$ 9    
section #hgja ( title #da7 t is a small 

bus9ess conc]n 7z def9$ 9 section #c ( !
 ,small ,bus9ess ,act 7#ae ,u4,s4,c4    
#fcb771 require t ! head ( an ag5cy1 to 
! fulle/ ext5t p]mitt$ by law & to !    
maximum ext5t practicable1 e/abli% an   
accel]at$ paym5t date ( #ae days aft]   
receipt ( a prop] invoice = ! am\nt due2
 &  7,b7 = a prime contractor t         
subcontracts ) a small bus9ess conc]n1  
require t ! head ( an ag5cy1 to ! fulle/
 ext5t p]mitt$ by law & to ! maximum    
ext5t practicable1 e/abli% an accel]at$ 
paym5t date ( #ae days aft] receipt ( a 
prop] invoice = ! am\nt due if ! prime  
contractor agrees to make paym5ts to !  
subcontractor 9 accordance ) ! accel]at$
 paym5t date1 to ! maximum ext5t        
practicable1 )\t any fur!r consid]ation 
f or fees *>g$ to ! subcontractor4  7#f7
 #h7;a7 ext5sion ,! ,adm9i/rator ( !    
,small ,bus9ess ,adm9i/ration %all all[ 
a p>ticipant 9 ! program e/abli%$ "u    
section #h7;a7 ( ! ,small ,bus9ess ,act 
on ! date ( enactm5t ( ?is section to   
ext5d su* p>ticipation by a p]iod ( #a  

ye>4  #ai4 ,res\rces & s]vices 9        
languages o!r ?an ,engli%  7a7 ,9 g5]al 
,! ,adm9i/rator ( ! ,small ,bus9ess     
,adm9i/ration %all provide res\rces &   
s]vices to small bus9ess conc]ns 7z     
def9$ "u section #c ( ! ,small ,bus9ess 
,act 7#ae ,u4,s4,c4 #fcb77 9 ! #aj mo/  
commonly spok5 languages1 o!r ?an       
,engli%1 9 ! ,unit$ ,/ates1 :i* %all    
include ,m&>91 ,cantonese1 ,japanese1 & 
,korean4  7b7 ,au?orization (           
appropriations ,!re is au?oriz$ to be   
appropriat$ to ! ,adm9i/rator ( ! ,small
 ,bus9ess ,adm9i/ration #be1jjj1jjj to  
c>ry out ?is section4  #bj4             
,au?orization ( appropriations =        
p]sonnel ,!re is au?oriz$ to be         
appropriat$ #bjj1jjj1jjj to !           
,adm9i/rator ( ! ,small ,bus9ess        
,adm9i/ration = purposes ( hir+ /aff to 
c>ry out ! requirem5ts ( ?is ,act4